Major Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 9.2. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (5.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). A current level of 11.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (47%), home mtgs (5%), comm loans (1%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
338 South Patterson Boulevard
Dayton, OH 45402
Dayton, OH 45402
Phone Number
(937) 228-1614
NCUA Charter Number
Website
Largest Competitors
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH